Our story
Built in 2012 to fund the
businesses banks overlook.
PIRS Capital started in Miami Beach with a simple frustration: too many strong, growing businesses couldn't get capital fast enough from a traditional bank. Fourteen years later, we've deployed over $1B as a direct lender, and we still operate like the relationship-first shop we started as.
- Founded 2012
- Miami Beach, FL
- Direct lender
- All 50 states
The track record
Where fourteen years has taken us.
In business since 2012
Capital deployed
Businesses funded
States served
Our mission
Working capital, built to close.
That sentence isn't marketing. It's the test we hold every decision to. The right structure, the honest conversation, the renewal that makes sense for the business.
When a business grows because we funded it well, we did our job. When a file doesn't fit, we say so plainly. Either way, a real person owns the relationship from the first call.
We measure success by the businesses we help grow, not by the deals we close.
The journey
From e-commerce specialist to broad direct lender.
We didn't start out trying to fund everyone. We started by getting one thing right, and the discipline traveled.
Founded in Miami Beach
PIRS Capital opens its doors with a focused belief: established U.S. small businesses deserve fast, fair capital, and a lender that actually picks up the phone.
A specialist in e-commerce sellers
We cut our teeth funding online sellers (Amazon, Shopify, Walmart, and eBay merchants) where marketplace payout lags made traditional financing a poor fit. We learned to structure repayment around how those businesses actually get paid.
From niche to broad direct lender
The same relationship-first underwriting that worked for sellers translated across industries: restaurants, construction, healthcare, retail, and beyond. PIRS grew into a direct lender serving most of the U.S. economy.
Fourteen years, $1B+ deployed
Over $1B in working capital deployed to more than 100,000 businesses across all 50 states, still a direct lender, still relationship-first, still answering the phone.
What we value
The values that survived the scaling.
They were true when we were a handful of people funding online sellers. They're still true at $1B+.
People first
Behind every file is an owner with payroll to make and a plan to fund. We never lose sight of that.
Judgment over rules
Boxes don't fund businesses. Underwriters do. We review the whole picture, not just a credit score.
Built to renew
A good first deal earns a second. We structure for the long relationship, not the single transaction.
Accountable & reachable
Headquartered in Miami Beach, we operate nationwide, but every business gets a real, reachable point of contact.
Ready to grow with us?
Apply for working capital and see what a relationship-first direct lender feels like. Same-day decisions, funding in as little as 24 hours.